United Security Bancshares (NASDAQ:UBFO) and AmeriServ Financial (NASDAQ:ASRV) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, earnings, dividends, profitability, analyst recommendations, valuation and risk.
United Security Bancshares pays an annual dividend of $0.44 per share and has a dividend yield of 5.4%. AmeriServ Financial pays an annual dividend of $0.10 per share and has a dividend yield of 2.5%. United Security Bancshares has increased its dividend for 1 consecutive years and AmeriServ Financial has increased its dividend for 1 consecutive years.
This is a summary of current recommendations for United Security Bancshares and AmeriServ Financial, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|United Security Bancshares||0||0||0||0||N/A|
Valuation & Earnings
This table compares United Security Bancshares and AmeriServ Financial’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|United Security Bancshares||$39.09 million||3.52||$8.96 million||N/A||N/A|
|AmeriServ Financial||$63.16 million||1.09||$4.60 million||N/A||N/A|
United Security Bancshares has higher earnings, but lower revenue than AmeriServ Financial.
Institutional and Insider Ownership
27.5% of United Security Bancshares shares are held by institutional investors. Comparatively, 43.1% of AmeriServ Financial shares are held by institutional investors. 20.5% of United Security Bancshares shares are held by company insiders. Comparatively, 9.8% of AmeriServ Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
This table compares United Security Bancshares and AmeriServ Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|United Security Bancshares||21.44%||6.47%||0.69%|
Volatility and Risk
United Security Bancshares has a beta of 0.81, suggesting that its stock price is 19% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.95, suggesting that its stock price is 5% less volatile than the S&P 500.
United Security Bancshares beats AmeriServ Financial on 8 of the 11 factors compared between the two stocks.
United Security Bancshares Company Profile
United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also offers real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company provides online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 27, 2021, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.
AmeriServ Financial Company Profile
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. The company also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 16 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 17 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.
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